# UPI Merchant vs PayG for Business

The clearest difference is update cadence: PayG for Business at every 3 weeks against UPI Merchant's every 3 months. UPI Merchant's advantage is iOS requirement (9.0 vs 16.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UPI Merchant ships an update every 3 months, PayG for Business every 3 weeks. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | UPI Merchant | PayG for Business |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Size | 13 MB | 142 MB |
| Requires iOS | **9.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [UnionPay International Co., Ltd.](https://appshunter.io/developer/928808798) | [PayG](https://appshunter.io/developer/1567618605) |

## What reviewers say

### UPI Merchant

[App page](https://appshunter.io/ios/app/upi-merchant/id1346469843)

**Features:** macOS Compatibility

**In-app purchases:** none


### PayG for Business

[App page](https://appshunter.io/ios/app/payg-for-business/id1663144980)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is UPI Merchant free?

UPI Merchant is free to download, with no in-app purchases.

### Is PayG for Business free?

PayG for Business is free to download, with no in-app purchases.

### Do UPI Merchant or PayG for Business have ads?

Neither UPI Merchant nor PayG for Business shows ads.

### Which is updated more often, UPI Merchant or PayG for Business?

UPI Merchant ships an update every 3 months, and PayG for Business every 3 weeks. Most recently, UPI Merchant was updated on October 26, 2026 and PayG for Business on October 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*